WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 7 <LEGEND> *Not disclosed on a quarterly basis. </LEGEND> <PERIOD-TYPE> 3-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000 <PERIOD-END> MAR-31-2000 JUN-30-2000 <DEBT-HELD-FOR-SALE> 26,019,938 25,939,238 <DEBT-CARRYING-VALUE> 4,471,811 4,305,264 <DEBT-MARKET-VALUE> 0* 0* <EQUITIES> 5,002,307 4,963,176 <MORTGAGE> 0 0 <REAL-ESTATE> 0 0 <TOTAL-INVEST> 35,572,911 35,286,660 <CASH> 6,637,676 8,619,670 <RECOVER-REINSURE> 0 0 <DEFERRED-ACQUISITION> 0 0 <TOTAL-ASSETS> 53,649,495 55,217,546 <POLICY-LOSSES> 15,964,665 16,309,665 <UNEARNED-PREMIUMS> 0 0 <POLICY-OTHER> 191,502 212,981 <POLICY-HOLDER-FUNDS> 0 0 <NOTES-PAYABLE> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 1 1 <OTHER-SE> 36,549,212 37,020,091 <TOTAL-LIABILITY-AND-EQUITY> 53,649,495 55,217,546 <PREMIUMS> 8,370,138 18,435,170 <INVESTMENT-INCOME> 591,791 1,168,108 <INVESTMENT-GAINS> 62,867 84,766 <OTHER-INCOME> 301,437 675,670 <BENEFITS> 1,244,804 3,067,126 <UNDERWRITING-AMORTIZATION> 0 0 <UNDERWRITING-OTHER> 7,502,222 15,779,716 <INCOME-PRETAX> 579,207 1,516,872 <INCOME-TAX> 57,600 260,506 <INCOME-CONTINUING> 521,607 1,256,366 <DISCONTINUED> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 521,607 1,256,366 <EPS-BASIC> .20 .48 <EPS-DILUTED> .20 .48 <RESERVE-OPEN> 0 0 <PROVISION-CURRENT> 0 0 <PROVISION-PRIOR> 0 0 <PAYMENTS-CURRENT> 0 0 <PAYMENTS-PRIOR> 0 0 <RESERVE-CLOSE> 0 0 <CUMULATIVE-DEFICIENCY> 0 0